4 unit in San bernadino with $7k to put down ?????

[Christopher Abernathy]

after repairing my credit as well as families. 

I want a 3-4 unit property and im willing to live on site for a 6mo - 1 yr no prob. 

i was hoping for a 1% or 0% miracle yet i have heard these are for SFH using CAL HFA in combination with ZIP or MY HOME?? not available for Multi family?

on BP podcast show 210.,I hear of smaller banks with no PMI on less than 20% down.

and my other light at the end of the tunnel was a 3% down multi family qualifying loan with no PMI if you are 720 FICO and 3 month reserves in bank.

i I am now credit worthy (mortgage score qualified) and after selling my wife on the fact that our 2016 tax return ($7,000) must all go towards our first Investment property and first property in general as downpayment/reserves. I just heard about cal HFA Multi-fam owner occupied GSFA Platinum down payment assistance grant, and then... days later ... POOF! All lenders i have contact with seem to think its on hold / gone / not being used or in affect ??

FYI my current situation is:

ME - FICO 665 middle score / $45k/yr income / $200/mo DEBT

WIFE - FICO 650 score / $0 income / -$625/mo DEBT

BROTHER - NO FICO - currently building / $30K income / $0 DEBT

available max Down Payment $7,000

PRO's

Willing to purchase duplex / tri / fourplex in : riverside / rialto / pomona / ontario / san bernadino (no orange/red Crime map)

price range : $180k - $450K

REQUESTS: need atleast one unit to be 3 br

*looking for value add* as well,

After hearing the hundreds of first step methods, im finding it a bit hard to narrow down my search criteria.

2nd question is:

After stating our current situation, what other strategies loan programs or methods to begin our first MFH buy and hold purchase would our financial situation warrant the most profit and least risk in this interest rising CA desert property market?